# Lexware Office Geschäftskonto: Business account

> A German business account built into the Lexware Office accounting software for founders, freelancers and small businesses: a German IBAN from Solaris SE, unlimited free SEPA, instant, standing-order and bulk transfers, and Visa Business Debit cards. Solo €9.90 or Plus €19.90 a month net, with three months free.

Finzil profile: https://finzil.com/providers/lexware-office · Provider website: https://lexware.de · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** €9.90 (net; Plus €19.90; Lexware Office from €7.90)
- **Setup fee:** Free
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Accounting software with a bank account from Solaris SE
- **IBAN:** German IBAN
- **Payment rails:** SEPA, SEPA Instant, standing orders, bulk transfers
- **Cards:** Visa Business Debit, virtual and physical
- **Safeguarding:** Deposit guarantee (Solaris SE)
- **Remote opening:** Yes
- **Headquarters:** Germany
- **Trustpilot:** 3.1 from 1,623 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** Germany (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Founders and startups, Freelancers and sole traders, Small companies

## Industries

- **Industries served:** Freelancers, Startups and SMEs, Professional services
- **Prohibited industries (provider's own list):** Not published

## Licences

- Operated by: Haufe-Lexware GmbH & Co. KG; accounts provided by Solaris SE

Safeguarding: Lexware does not hold a banking licence. The account is provided by Solaris SE, a German bank supervised by BaFin; Lexware says deposits are protected by the German statutory deposit guarantee up to €100,000.

## Fees

Source: https://www.lexware.de/geschaeftskonto/ (checked 2026-10-20)

### Plans

- **Solo account:** 9.9 EUR a month
- **Plus account:** 19.9 EUR a month

### Incoming

- SEPA: Free

### Outgoing

- SEPA: Free · Unlimited, including standing orders and bulk transfers
- SEPA Instant: Free

### Currency exchange (FX)

- FX markup: Not published

## Opening an account

Opening an account typically takes three to five business days.

1. **Choose.** Choose Lexware Office and the account model.
2. **Apply online.** Fill in the application (about 10 minutes).
3. **Video-Ident.** Verify your identity by video with your ID and a smartphone TAN.
4. **Account live.** After approval you get the German IBAN and digital debit card; the physical card follows by post. Solaris may take a few business days for extra checks.

Documents: Not published

## Pros and cons

- Pro: Unlimited free SEPA, instant, standing-order and bulk transfers
- Pro: Bookkeeping and invoices in Lexware Office, matched to the account
- Pro: German IBAN and an immediate digital Visa debit card after approval
- Pro: Three months free
- Pro: Deposits at a German bank (Solaris SE)
- Con: Only with an active Lexware Office subscription (from €7.90 a month net)
- Con: Account €9.90 or €19.90 a month net on top
- Con: Card fees not published on the page
- Con: EUR only, German-language service
- Con: No list of refused industries published

## Finzil's take (opinion)

The Lexware account makes sense for businesses already keeping their books in Lexware Office: transfers are free and unlimited and every payment lands in the accounting. Bought on its own it is dear, since the software subscription comes on top.

## Alternatives

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- [Qonto](https://finzil.com/providers/qonto): Payment institution · France

## FAQ

**Is Lexware a bank?**

No. Haufe-Lexware runs the Lexware Office software; the business account is provided by Solaris SE, a German bank supervised by BaFin.

**How much does the Lexware business account cost?**

Solo €9.90 or Plus €19.90 a month net, on top of a Lexware Office subscription from €7.90 a month net, with three months free. SEPA, instant, standing-order and bulk transfers are free and unlimited.

**Who can open it?**

Founders, freelancers, sole traders and small companies in Germany using Lexware Office.

**Which card do I get?**

A Visa Business Debit card, digital straight after approval and physical by post.

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